A loan of $750 helped a member to purchase additional general goods for resale such as insecticides, candles, matches, and torch lights.


Friendly People Group's story

Garmai H. is the leader of a group of five borrowers called Friendly People Group. She is 36 years old and married with four children. Her children range in age from 6 to 19 years and their educational levels are from kindergarten to 9th grade. She did not continue her education after 11th grade due to the outbreak of the Liberian civil crisis in 1990. Garmai and her family live and work in the Bernard Farm community on Kakata Highway, Margibi County, Liberia.

Garmai’s business is the sale of general goods such as insecticides, candles, matches, torch lights, etc. She buys her goods from wholesalers and sells retail from a tabletop in front of her house to residents of Bernard Farm. She has been running this business for more than 18 years and hopes to own a shop in the near future.

Garmai started selling in neighboring Guinea when she was there as a refugee. She was able to save a little starter capital through doing laundry for Guineans, then got into her general goods sales. When Garmai returned home, she continued doing her business.

Garmai talks to her customers in a good manner in order to encourage them to continue buying from her. She needs this loan to purchase additional general goods for resale. She dreams of giving her children education as a gift and helping them become future leaders.

In the photo that accompanies this profile, Garmai is the one holding the sign. Kpana T. is in the lower right inset photo.

About LEAP:

The Local Enterprise Assistance Program (LEAP) is Liberia's largest and oldest continuously operating microfinance institution, with 13 branches across the country. Founded in 1994, the non-profit organization has survived periods of civil war and severe socio-economic hardship. LEAP, a Kiva partner, seeks to help rebuild post-conflict Liberia through its group and individual loans to micro- and small-scale entrepreneurs and puts emphasis on lending to women.

In this group: Garmai, William , Nowai, Gonto, Kpana
*not pictured



Loan details


Lenders and lending teams



Loan details